Our Accounts

We don’t just help one kind of person. Or one kind of business. Or one kind of nonprofit, family, or trustee. We have a variety of plans for many different investors or traders, and we may just have an account for you. Once your account is up and running, you’ll find plenty of resources to help you spot opportunities.

See all pricing and rates

Most Popular

Trade or invest in your future with our most popular accounts.

Brokerage account

Investing and trading account

Buy and sell stocks, ETFs, mutual funds, options, bonds, and more.

Core Portfolios

Automated investment management

Get a diversified portfolio that’s monitored and managed for a low annual advisory fee of 0.30% and $500 minimum.4

Premium Savings Account

NEW: Boost your savings with Annual Percentage Yield5

With rates 9X the national average6 and, FDIC-insured up to $500,0007; certain conditions must be satisfied.

Morgan Stanley Private Bank, Member FDIC.

Traditional IRA

You may be eligible to make income tax deductible contributions

Earnings potentially grow tax-deferred until you withdraw them in retirement.

Roth IRA1

Tax-free growth potential retirement investing

Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.

Rollover IRA

Consider rolling over your old 401(k) plan assets to an E*TRADE from Morgan Stanley IRA

Consolidate assets from a former employer’s retirement plan.

Brokerage

Build your portfolio, with full access to our tools and info.

Brokerage account

Investing and trading account

Buy and sell stocks, ETFs, mutual funds, options, bonds, and more.

Coverdell ESA

Save on a tax-deferred basis for a child’s education

Tax-free withdrawals for qualified educational expenses, such as tuition and books.

Custodial Account

Brokerage account for a minor

Managed by a parent or other designated custodian until either the minor reaches the statutory age of termination or custodianship is otherwise terminated.

Retirement

Invest in the future, with retirement accounts from E*TRADE from Morgan Stanley.

Whether you are exploring a Roth or Traditional IRA, or are considering what to do with a 401(k) from a former employer, you’ve got choices.

Rollover IRA

Consider rolling over your old 401(k) plan assets to an E*TRADE from Morgan Stanley IRA

Consolidate assets from a former employer’s retirement plan.

Roth IRA1

Tax-free growth potential retirement investing

Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.

Traditional IRA

You may be eligible to make income tax deductible contributions

Earnings potentially grow tax-deferred until you withdraw them in retirement.

Inherited (Beneficiary) IRA

For inherited retirement accounts

Keep inherited retirement assets tax-deferred while investing for the future.

E*TRADE CompleteTM IRA

For retirement investors over age 59½

Upgrade your account for flexible access to cash with free checking, online bill pay, and ATM/debit cards.2,3

IRA for Minors

For children with earned income

A retirement account managed by an adult for the benefit of a minor under age 18.

Managed Portfolios

A range of managed portfolios to help meet your needs - choose from our fully managed accounts or our automated investment portfolios. 

Core Portfolios

Automated investment management

Get a diversified portfolio that’s monitored and managed for a low annual advisory fee of 0.30% and $500 minimum.

Morgan Stanley Financial Advisors

Bring your future into focus

Eligible clients can get a goals-based plan and investing guidance from a Morgan Stanley Financial Advisor.

Small business retirement

Offer retirement benefits to employees. Use the Small Business Selector to find a plan.

Retirement plans offered by E*TRADE from Morgan Stanley.

Traditional and Roth Individual 401(k)

Retirement plan for the self-employed

Retirement plan for business owners and their spouses that is simpler to administer than a typical 401(k).

SIMPLE IRA

For businesses with fewer than 100 employees

Retirement plan with deductible employer and employee contributions.

SEP IRA

For the self-employed and small businesses

Flexible annual contributions from 0% to 25% of earned income (subject to certain limits).

Investment-Only Account

For businesses with existing retirement plans

Expand the range of available investment options without changing plan custodians.

Morgan Stanley Private Bank

Make the most of your cash with a suite of integrated high-yield banking and lending solutions.

Learn more about Morgan Stanley Private Bank accounts.

Certificates of Deposit (CD)

Fixed rates. Annual Percentage Yield up to 14,15

Lock in a competitive fixed rate for terms from to .16

Morgan Stanley Private Bank, Member FDIC.

Checking

Everyday banking with no monthly fees and no minimums

ATM fee refunds nationwide.11,12

Morgan Stanley Private Bank, Member FDIC.

Max-Rate Checking

Competitive yield with Annual Percentage Yield9 and no transaction fees

Plus ATM and foreign transaction fee refunds worldwide.10,11 $15 monthly account fee waived with $5,000 average monthly balance.13

Morgan Stanley Private Bank, Member FDIC.

Premium Savings Account

NEW: Boost your savings with Annual Percentage Yield5

With rates 9X the national average6 and, FDIC-insured up to $500,0007; certain conditions must be satisfied.

Morgan Stanley Private Bank, Member FDIC.

Line of Credit

Flexible financing to help meet your goals

Unlock the power of your portfolio for cash when you need it most.

Home Loans

Purchase or refinance a home

Competitive rates on mortgages with dedicated support and a secure digital experience.

Account FAQs

See all FAQs

Online

  1. Choose the type of account you want. Then complete our E*TRADE from Morgan Stanley brokerage or Morgan Stanley Private Bank online application.
  2. For bank and brokerage accounts, you can either fund your account instantly online or mail in your direct deposit.

By Phone

Call 800-387-2331

By Mail

  1. Download an application and then print it out.
  2. Complete and sign the application.
  3. Send the application with a check made payable to E*TRADE from Morgan Stanley or Morgan Stanley Private Bank (depending on the type of account you're opening) to the appropriate address.

Simply call us at 800-387-2331.

You can start trading within your brokerage or IRA account after you have funded your account and those funds have cleared.

Go now to fund your account.

Yes, you can roll over your 401(k) or other employer-sponsored plan to an E*TRADE IRA.

Learn about 4 options for rolling over your old employer plan.

Choose the method that works best for you:

  1. Transfer money electronically: Use our Transfer Money service to transfer within 3 business days.
  2. By check: You can easily deposit many types of checks.
  3. By wire transfer: Wire transfers are fast and secure.
  4. Transfer an account: Move an account from another firm.
  5. Direct deposit: Automatically deposit your paycheck and other recurring income to your Morgan Stanley Private Bank checking or savings accounts or your E*TRADE brokerage account.

Go now to fund your account.